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What Does the End of the CFPB Mean for Credit Risk Innovation?

The Fintech Times

Michele Tucci, chief strategy officer and co-founder of Credolab, a global device behavioural data and analytics company, looks at how the current regulatory rollback could open the door for lenders to rethink credit scoring and explore new ways to widen access. That’s key in a market where consumer trust remains fragile.

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Why is the FCA Introducing BNPL Regulations, and How Could They Impact the Market?

The Fintech Times

New rules, which would take effect when BNPL comes under the FCA’s remit in 2026, come after FCA research on unregulated BNPL found that around 20 per cent of UK adults (~10.9 The rapid growth of the offering may be largely driven by the fact that, at present, it does require minimal credit checks. million) in 2022.

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AI Becomes the Banker: 21 Case Studies Transforming Digital Banking CX

Finextra

Power survey shows consumers are largely optimistic about AI’s benefits: 72% agree AI will deliver easy, convenient self-service but also highlight areas to improve, such as building trust and ensuring human-like empathy in AI interactions. At the same time, a J.D. The assistant was adopted by 98% of Financial Advisor teams.

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Transaction Banking’s Strategic Superpower | Data-Driven Intelligence

Finextra

Across every one of these sectors, the impact is twofold: Corporates experience smoother cash flow management, tailored product offerings, and better risk preparedness, gain proactive guidance, reduce the cost of capital, plan better, and react faster to shocks.

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Experian integrates Mastercard ID verification and fraud prevention tech

Finextra

“When acquiring new customers, our clients want a frictionless process where both ID and fraud, as well as credit risk, can be assessed as part of a single request that streamlines and speeds the customer experience,” said Greg Wright, Executive Vice President of Identity and Fraud, Experian Software Solutions.

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The Misunderstood Metric: A Closer Look at an Underrated Business Indicator

Finextra

Why late payment trends require closer scrutiny Research released in March 2025 showed that late payments are a widespread problem. While consumer credit scores are widely understood, business credit reports, where DBT typically appears, are less familiar. But not all credit reports are created equal.

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NEW REPORT: The Banks’ How-To Guide To Using AI To Manage Credit Risk

PYMNTS

Managing credit risk used to be a reactive process. Waiting until account holders fall behind to take action not only meant that customers’ credit scores would take a hit before their banks were alerted to a problem, but also that banks would lose the revenue from the scheduled payment.